{"id":10947,"date":"2013-11-05T19:40:34","date_gmt":"2013-11-05T19:40:34","guid":{"rendered":""},"modified":"2013-11-05T19:40:34","modified_gmt":"2013-11-05T19:40:34","slug":"where_s_the_pushback_from_insurance_companies","status":"publish","type":"post","link":"https:\/\/admin.rushlimbaugh.com\/daily\/2013\/11\/05\/where_s_the_pushback_from_insurance_companies\/","title":{"rendered":"Where\u2019s the Pushback from Insurance Companies?"},"content":{"rendered":"

\"Listen<\/a><\/p>\n

RUSH: Salem, Wisconsin, this is Larry. Great to have you, Larry. Hi. How are you?<\/p>\n

CALLER: Great. Thank you so much. I\u2019m fine. Hope you\u2019re doing well as well.<\/p>\n

RUSH: Thank you, sir.<\/p>\n

CALLER: But the reason I\u2019m calling is two very quick points and then I\u2019ll get to my main point, the reason I called. That comment that I heard a number of times about Obama talking about the elderly lady? You know, that is the most disgusting, despicable thing, and you know why? Because all the elderly — especially the elderly that are ill — are considered by this person simply a charge to the state, and as soon as they are no longer living, then this provides the state a little bit more dollars and they don\u2019t have to pay out for these people. <\/p>\n

Two. I\u2019d like to bring up Obama\u2019s comments concerning people just being one paycheck away from financial ruin. There\u2019s something else in the works here that\u2019s gonna bring them less than a paycheck from financial ruin, and that is this. Any CPA or corporate CEO that has any kind of integrity will confirm this, which I have already myself. But the IRS is getting ready… People need to starting looking at their W2 forms, in block 14, which is, quote, “the other box,” labeled “other box.”<\/p>\n

They possibly might be seeing two initials in that very soon, a double DD. They\u2019ll be told that that\u2019s for informational purposes only. What the IRS is getting ready to do, probably after the 2014 elections, is to assign a value to the insurance premiums being paid by employers for employees, but assign that tax liability to the employee. What that\u2019s gonna do… I don\u2019t know how it\u2019s gonna treat the employers, whether they\u2019ll be able to still continue the adjustment on their profits. But what it\u2019s gonna do is increase the tax liability of the employee. So if someone\u2019s making —<\/p>\n

\"original\"RUSH: Well, now, I know this has been talked about forever, taxing employee benefits and adding the equivalent income, but have they decided to firmly do that?<\/line><\/p>\n

CALLER: They\u2019re being briefed by CPAs and the insurance companies know of this already, and —<\/p>\n

RUSH: No, everybody knows about it in terms of a possibility, but has the law been passed that they\u2019re actually gonna start taxing employer benefits — not just health insurance, whatever the benefit is — as income, and they\u2019re gonna starts adding that to your adjustable gross income? Has that law passed and he signed it? That\u2019s actually gonna start happening in 2014?<\/p>\n

CALLER: He has not been signed it yet but it\u2019s in the works and it will happen, yes.<\/p>\n

RUSH: Well, that\u2019s been in the works for a long time. I have no doubt that it is going to happen at some point, just like I think the mortgage interest deduction\u2019s gonna go by the wayside because the entire concept of home ownership is changing. More people are renting. They can\u2019t afford it. Look at the housing market and so forth. I think we\u2019re in the midst of all kinds of things. We\u2019ve got this massive national debt. What do they do? <\/p>\n

Raise taxes! <\/p>\n

There\u2019s gonna be a value-added tax. You know, the more Democrats win, the more of this there\u2019s gonna be. The more any Washington establishment candidates win, this is where we\u2019re headed. If the Democrats get their way, I don\u2019t know how long it will be after the 2014 or 2016 or 2018 or 2020 elections, but at some point they are going to start attaching the income value to your benefits and add that to your AGI and you\u2019ll pay taxes on that, not just your gross salary.<\/p>\n

I\u2019ll give you an illustration. Let\u2019s say that your salary is a hundred grand, just to pick a number, but your benefit package is worth $25,000. The way the government looks at that all right now is you\u2019re getting $25,000 free income that they\u2019re not taxing. So if your benefit package, health care and whatever else that you get from where your job is adds up to say $25,000 in this case, that\u2019s imputed income. You never see it, it\u2019s never in your take-home pay, it\u2019s not there on your gross.<\/p>\n

But it\u2019s gonna start being and you\u2019re gonna pay taxes based on that — a massive tax increase. They also want a carbon tax. Meanwhile, three million Britons cannot afford to pay their energy bill because massive carbon taxes have been imposed while they were getting rid of fossil fuels as energy sources, because the left wing believes this silly climate change\/global warming hoax. They\u2019re using windmills and solar and all this, which doesn\u2019t provide enough electricity. <\/p>\n

So they have to use fossil fuel\/coal as a backup, but they\u2019ve deemphasized it and therefore there\u2019s less supply, it\u2019s more expensive. Now three million Britons can\u2019t pay their utility bills. That\u2019s coming here. But they need the money! Even with all the QE3, QE4, the national debt isn\u2019t going down. The national debt\u2019s getting bigger. The deficit isn\u2019t coming down appreciably and not consistently. The Democrat dream is a value-added tax, and imputed income on your benefits that will be taxed. <\/p>\n

They\u2019ve been threatening that for 20 years. That\u2019s gonna happen someday. The mortgage interest deduction? You know as well as I do that every election that comes up, somebody proposes it, some candidate somewhere, and he always goes by the wayside. At some point, these Washington establishment types keep winning. They will implement this and make it happen. So all this stuff is desired, and the odds of all of it happening are increased exponentially if Democrats win. <\/p>\n

This is what they do, and their excuse is, “Well, we still have the uninsured that we have to pay for, even despite Obamacare. We got massive deficits! There\u2019s still a wide income gap. We gotta take more money from the rich. It just isn\u2019t fair!” They keep saying the same things, and they\u2019ll make you think your taxes aren\u2019t going up. “It\u2019s only the rich. You\u2019ll be safe.” So just keep a sharp eye on that. Whether they\u2019ve done it yet or not, they want to. <\/p>\n

Here\u2019s Andrea in Chicago. It\u2019s great to have you on the program. Hi.<\/p>\n

CALLER: Hi there. How are you?<\/p>\n

RUSH: I\u2019m fine. Thank you.<\/p>\n

CALLER: Great. This is the first time I\u2019m calling, so I\u2019m real excited about talking to you. My question, Rush, is where are the insurance companies in this? Why aren\u2019t they speaking out, for better, for worse, whatever. I hate to use the word but I\u2019m really pissed off at my insurance company because I did get one of those letters of cancellation, and I really like my insurance program for me and my daughter, and I don\u2019t know what I\u2019m gonna do now. I\u2019m just really mad because the insurance companies aren\u2019t are not talking. You know, where\u2019s Blue Cross\/Blue Shield, Aetna and all those big companies? Why aren\u2019t they saying something?<\/p>\n

RUSH: Well, one of the reasons is that they were co-opted into supporting all of this back in 2007 and 2008, because they were told that Obamacare was going to require everybody to have a policy and that the uninsured were going to be covered. So they saw 30 million, whatever the number was, brand-new customers. They saw a government making everybody get insurance, and they thought, “Well, my God! How can we not sign on to this? We don\u2019t need to spend another dime in advertising. We got a government that\u2019s gonna make people become our customers,” and now I have to think, Andrea, that the insurance companies are just starting to realize that they\u2019re going to lose big.<\/p>\n

I don\u2019t understand it, either. I don\u2019t know why they didn\u2019t see that the objective is to put them out of business in 10 to 15 years. I am sitting here and I am flummoxed. I\u2019m amazed. I understand the lure of the crony capitalism, the lure of being brought in, being close to power. But why don\u2019t these people see that Obama wants to ruin their industry and eliminate it and replace it with the government?<\/p>\n

I\u2019m at a loss to answer your question.<\/p>\n

BREAK TRANSCRIPT<\/p>\n

RUSH: Don\u2019t forget, when it comes to the insurance companies, the regime is ordering them not to talk to the media. Remember that? This is Tuesday. It was either Monday or Friday we had the story that the regime is ordering insurance companies not to divulge the number of cancellations they are making. And you might ask, “Well, how can they do that?” Don\u2019t forget, these people were all bought off, folks. Hospitals, insurance companies, they were given money and preferential treatment if they ran adds supporting Obamacare, remember? And the insurance companies, they thought that millions of brand-new customers were coming their way. This is what continually flummoxes me.<\/p>\n

Folks, let me tell you something. The best way to explain all this is, we say that what\u2019s going on here is socialism and so forth, and to an extent, yeah. But what really is happening here is crony — I don\u2019t even want to say capitalism. There\u2019s no capitalism. What is happening here is that the regime is simply buying and luring support from businesses that people would think are oriented toward capitalism and free markets and free enterprise. It\u2019s like GE. They\u2019re giving GE and all these Solyndra people and the green energy people, they\u2019re literally given federal money in exchange for loyalty to the regime. <\/p>\n

What you have is a melding, if you will, of the government with corporations. And the corporations go for it because they have close ties, they\u2019re right next to the seat of power. In many cases they\u2019re bought off with money and grants or what have you. In the insurance companies cases, they\u2019re promised new customers. How in the world they don\u2019t see who they\u2019re dealing with in Obama — maybe they do and they don\u2019t care, just look at the here and the now in the next three years and make hay while they can, and if they go out of business, so what. Just score what they can. <\/p>\n

It\u2019s all anathema in terms of common sense. You know, that\u2019s a good way to put it. Every one of these corporate entities is trying to be the last one eaten by the alligator. They\u2019re all giving the scorpion the trip across the pond. The scorpion is promising they\u2019re not gonna sting \u2019em. And before they get cross the pond, the scorpion will sting \u2019em and the CEO of the insurance agency, “Why did you sting me, Obama?” <\/p>\n

“What am I? I\u2019m a scorpion. What do I do? I sting you. It\u2019s your mistake for believing me.” <\/p>\n

They all think that they\u2019re gonna be the ones untouched by all this. And they fall for it because they refuse to admit who and what Obama is. He lied to them. He lied to the insurance companies. They\u2019re not reaping a windfall profit under Obamacare. They\u2019re gonna be thrown into a death spiral. Single payer\u2019s coming! They\u2019re out of business! I don\u2019t know how they don\u2019t see it, but they don\u2019t see it. <\/p>\n

Or maybe they did see it and they said, “Okay, we know that our days are numbered so we\u2019re gonna score what we can while we can, and get out with as much money as we can by the time we get stung.” Whatever, there\u2019s no fight-back. This is my point. This is the reason for the second hour monologue. There\u2019s no push-back and I\u2019ve lived all these years under the idea that I\u2019m on a team fighting back trying to stop this and reverse it. <\/p>\n

BREAK TRANSCRIPT<\/p>\n

RUSH: Here\u2019s Tina in Jupiter, Florida, right up the road. Great to have you. Hello.<\/p>\n

CALLER: Hi, Rush. Thank you for taking my call. I am a hardworking medical professional, mother of five. I\u2019m also married to a hardworking professional with a good income. Never in a million years dreamed that next year we would need to be concerned about our health coverage. My point is, I would really like to see a situation where we get a grassroots group of people starting to turn, where they don\u2019t wish to be part of the Obamacare process, willing to take the hit of the penalty, somehow getting conjunction with insurance companies who are also be sideswiped by this process, and establish a system where we can be independent of the government involvement.<\/p>\n

RUSH: There is. It\u2019s called cash. I\u2019m not kidding. You find a doctor and a hospital that\u2019ll take cash or your credit card. They\u2019re out there. I\u2019m not being facetious. When I say cash, I mean, write a check, just don\u2019t have an insurance plan, put it on a credit card, but pay \u2019em directly with no insurance company middleman. There are more doctors leaving Medicaid than you can shake a stick at because they\u2019re not being reimbursed properly, timely, or sufficiently, and they want to stay in business, and they\u2019re working to create clientele that\u2019ll just pay \u2019em directly for service, like you would any other service. You go to a lawyer, you don\u2019t have lawyer insurance, do you? You don\u2019t have hotel room insurance, do you? <\/p>\n

There are doctor\u2019s trying to set up businesses exactly like that, with a limited clientele that\u2019ll pay cash, and the service is immediate and so forth, same thing with the hospitals. That\u2019s one of the most elementary free market solutions there is. The problem is that most people have now, since World War II, just been accustomed to insurance paying everything, not paying for it themselves. They are. They don\u2019t write a check to a doctor. Well, maybe they do out of pocket or before the deductible is hit, so it\u2019s maybe not that bad in terms of the mystique of living under the illusion somebody else is paying for everything. But I think that\u2019s the solution.<\/p>\n

CALLER: The problem comes in when you develop a catastrophic illness, or you have an accident that causes a hospital stay that runs into $1.1 million. You know, your average American citizen doesn\u2019t have that disposable cash for those kinds of medical expenses.<\/p>\n

RUSH: This is true. This is true. How often do those things happen, at the same time?<\/p>\n

CALLER: It only has to happen once (chuckles) in the individual life.<\/p>\n

RUSH: Right, but that\u2019s another thing. What I\u2019m trying to suggest here is that for the other expenses — for lack of a better term, let\u2019s call it “day-to-day health care — pay for it out of your pocket. If you need a checkup, a test, or things of this kind, pay for it. The catastrophic accidents, my guess is… No, I shouldn\u2019t guess it. I don\u2019t know if it\u2019s gonna be illegal for insurance companies to exist outside of Obamacare after…<\/p>\n

I happen to think there\u2019s gonna be a black market for exactly kind of thing you\u2019re talking about, just like there\u2019s a black market for cigarettes. When things get too expensive and the system is what it is, people find ways around it. When there are people with money who want to find ways around things, there are people who will sell. Offshore health care is developing. Costa Rica is a great example of a country where they have it.<\/p>\n

They do it under the guise of tourism, but they\u2019ve got doctors down there that will sell you this kind of catastrophic insurance if you need it. Now, that may not satisfy your needs. If you\u2019re in a car wreck here, how do you get to Costa Rica? I understand all the objections to it. But what you\u2019re doing is illustrating exactly how this whole system has become just blown up and bastardized. ‘Cause what you ought to be able to do is go to the doctor for your standard, ordinary, everyday health treatment and have insurance for nothing but catastrophic, for if that happens. <\/p>\n

But because of Obamacare you can\u2019t do that. You\u2019ve got to sign on to the whole kit and caboodle. You\u2019ve gotta sign on where people are getting free birth control pills, free contraception, free condoms, free whatever — all these left-wing wet dreams thrown in — where everybody else is paying for it, jacking up your premiums for things you\u2019re never gonna use and never gonna access but other people do and you\u2019re being asked to pay for it.<\/p>\n

CALLER: Yes. I liken this to being told what kind of car I have to buy and that I need to have.<\/p>\n

RUSH: That day is coming.<\/p>\n

CALLER: I have to have a sun roof and power windows, when I don\u2019t really need them or want them. It\u2019s no different; you\u2019re just transferring those demands to health care environment.<\/p>\n

RUSH: You are exactly right. You are taking free will away from people, and you are mandating that everybody live as numbers on a ledger. You are not an individual anymore. You\u2019re just a number with a set of statistics, and a computer and a health panel are gonna determine what happens to you based on the data that is input about you. All this in the name of efficiency and fairness and what have you. <\/p>\n

This is why, folks… I may be beating myself up against brick wall, but this is why I have so admired what Cruz was trying to do, not give up and fight back against this however we do it, \u2019cause the alternative are just unacceptable. The circumstance that Tina describes here — this woman with gallbladder cancer, Edie Sundby — these are unacceptable circumstances. There\u2019s no reason for any of this to be “reformed” like this. There\u2019s no reason for this change.<\/p>\n

There\u2019s no reason for this health care system to get worse like this, other than to enrich the Democrat Party, and that\u2019s not good enough for me.<\/p>\n","protected":false},"excerpt":{"rendered":"

RUSH: Salem, Wisconsin, this is Larry. Great to have you, Larry. Hi. How are you? CALLER: Great. Thank you so much. I\u2019m fine. Hope you\u2019re doing well as well. RUSH: Thank you, sir. 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